WO2021056571A1 - Procédé et appareil de traitement de paiement, dispositif électronique et support de stockage - Google Patents

Procédé et appareil de traitement de paiement, dispositif électronique et support de stockage Download PDF

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Publication number
WO2021056571A1
WO2021056571A1 PCT/CN2019/109215 CN2019109215W WO2021056571A1 WO 2021056571 A1 WO2021056571 A1 WO 2021056571A1 CN 2019109215 W CN2019109215 W CN 2019109215W WO 2021056571 A1 WO2021056571 A1 WO 2021056571A1
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WIPO (PCT)
Prior art keywords
application
payment
electronic device
target application
attribute information
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PCT/CN2019/109215
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English (en)
Chinese (zh)
Inventor
钟畅达
Original Assignee
深圳市欢太科技有限公司
Oppo广东移动通信有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 深圳市欢太科技有限公司, Oppo广东移动通信有限公司 filed Critical 深圳市欢太科技有限公司
Priority to PCT/CN2019/109215 priority Critical patent/WO2021056571A1/fr
Priority to CN201980099276.0A priority patent/CN114222988A/zh
Publication of WO2021056571A1 publication Critical patent/WO2021056571A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/50—Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems
    • G06F21/51—Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems at application loading time, e.g. accepting, rejecting, starting or inhibiting executable software based on integrity or source reliability
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof

Definitions

  • This application relates to the field of payment technology, and more specifically, to a payment processing method, device, electronic device, and storage medium.
  • this application proposes a payment processing method, device, electronic equipment, and storage medium to solve the above-mentioned problems.
  • an embodiment of the present application provides a payment processing method, which is applied to an electronic device, and the method includes: when the electronic device enters a payment mode in the process of running a target application, acquiring the called payment application Attribute information; determine whether the payment application is legal based on the attribute information; when the payment application is illegal, generate a pending event; send the pending event to the server, and use the pending event To instruct the server to process the target application.
  • an embodiment of the present application provides a payment processing method applied to a server.
  • the method includes: the server receives a pending event sent by an electronic device, and the pending event is a target operation of the electronic device.
  • the application enters the payment mode in the process of the application, it is generated when the called payment application is illegal; the target application is processed in response to the pending event.
  • an embodiment of the present application provides a payment processing method, which is applied to a payment processing system, the payment processing system includes a connected electronic device and a server, and the method includes: the electronic device is running a target application When entering the payment mode in the process, obtain the attribute information of the called payment application; the electronic device judges whether the payment application is legal based on the attribute information; when the payment application is illegal, the electronic device A pending event is generated; the electronic device sends the pending event to a server; the server responds to the pending event to process the target application.
  • an embodiment of the present application provides a payment processing device applied to an electronic device.
  • the device includes: an attribute information acquisition module, which is used when the electronic device enters the payment mode during the process of running the target application program, Obtain the attribute information of the called payment application; the attribute information judgment module is used for judging whether the payment application is legal based on the attribute information; the pending event generation module is used for when the payment application is illegal, A pending event is generated; a pending event sending module is used to send the pending event to a server, and the pending event is used to instruct the server to process the target application.
  • an embodiment of the present application provides a payment processing device applied to a server, and the device includes: a pending event receiving module for the server to receive a pending event sent by an electronic device, the pending event When the electronic device enters the payment mode in the process of running the target application, it is generated when the called payment application is illegal; the pending event response module is used to respond to the pending event on the target application deal with.
  • an embodiment of the present application provides an electronic device, including a memory and a processor, the memory is coupled to the processor, and the memory stores instructions that are executed when the instructions are executed by the processor.
  • the processor executes the above method.
  • an embodiment of the present application provides a computer-readable storage medium, the computer-readable storage medium stores program code, and the program code can be invoked by a processor to execute the foregoing method.
  • the payment processing method, device, electronic device, and storage medium provided by the embodiments of the present application.
  • the electronic device enters the payment mode while running the target application, it obtains the attribute information of the called payment application, and determines the payment based on the attribute information.
  • a pending event is generated and sent to the server.
  • the pending event is used to instruct the server to process the target application, so as to pass the process of running the target application Enter the payment mode and process the target application when it detects that the called payment application is illegal, so as to accurately and timely detect illegal payment behaviors, and fully protect the legitimate interests of users and the platform.
  • FIG. 1 shows a schematic diagram of an application scenario of a payment processing method provided by an embodiment of the present application
  • Figure 2 shows a sequence diagram of a payment processing method provided by an embodiment of the present application
  • FIG. 3 shows a schematic flowchart of a payment processing method provided by another embodiment of the present application.
  • FIG. 4 shows a schematic flowchart of a payment processing method provided by another embodiment of the present application.
  • FIG. 5 shows a schematic flowchart of step S310 of the payment processing method shown in FIG. 4 of the present application
  • FIG. 6 shows a schematic flowchart of step S312 of the payment processing method shown in FIG. 5 of the present application
  • FIG. 7 shows a schematic flowchart of an embodiment of step S340 of the payment processing method shown in FIG. 4 of the present application.
  • FIG. 8 shows a schematic flowchart of another embodiment of step S340 of the payment processing method shown in FIG. 4 of the present application.
  • FIG. 9 shows a schematic flowchart of a payment processing method provided by another embodiment of the present application.
  • FIG. 10 shows a schematic flowchart of a payment processing method provided by yet another embodiment of the present application.
  • Fig. 11 shows a block diagram of a payment processing device provided by an embodiment of the present application.
  • FIG. 12 shows a block diagram of a payment processing device according to another embodiment of the present application.
  • FIG. 13 shows a block diagram of an electronic device used to execute the payment processing method according to the embodiment of the present application
  • FIG. 14 shows a storage unit for storing or carrying program code for implementing the payment processing method according to the embodiment of the present application according to an embodiment of the present application.
  • Mobile payment also known as mobile payment (Mobile Payment)
  • Mobile Payment is a method that allows users to use electronic devices (such as mobile phones, tablet computers, etc.) to pay for the goods or services they consume. It is a brand-new business that combines electronic money, identity verification, mobile communications and electronic equipment, allowing users to enjoy a variety of services anytime, anywhere.
  • manufacturers corresponding to electronic devices have begun to develop payment applications that support electronic devices for mobile payments, and set that the jointly operated application installed on the electronic device needs to call the electronic device when calling payment applications The corresponding payment application developed by the manufacturer. However, when some jointly operated applications call payment applications, they will call more third-party payment applications (payment applications developed by the corresponding manufacturers of non-electronic devices), that is, the application performs "cut payment". Thus seriously harming the interests of the electronic equipment platform.
  • the inventor has discovered through long-term research and proposed the payment processing method, device, electronic device, and storage medium provided by the embodiments of the present application.
  • the target application is processed to accurately and timely detect illegal payment behaviors, and fully protect the legitimate interests of users and the platform.
  • the specific payment processing method is described in detail in the subsequent embodiments.
  • FIG. 1 shows a schematic diagram of a payment processing system 10 provided in the implementation of this application.
  • the payment processing system 10 includes an electronic device 100 and a server 200, where the electronic device 100 and the server 200 are communicatively connected to implement data interaction between the electronic device 100 and the server 200.
  • the electronic device 100 can send pending events to the server 200 and the like.
  • the electronic device 100 and the server 200 may be respectively connected to a base station, so as to realize data interaction between the electronic device 100 and the server 200 through the base station.
  • the electronic device 100 may include a smart phone, a tablet computer, a wearable electronic device, and the like.
  • the server 200 may include a traditional server, a cloud server, etc., which is not limited herein.
  • the payment processing system 10 also includes other more electronic devices, for example, it may also include a first test device 300, a second test device 400, and a third test device 500.
  • the server 200 communicates with the first test device 300, the second test device 400, and the third test device 500 respectively to realize data interaction with the first test device 300, the second test device 400, and the third test device 500.
  • a server 200 can send data information in the event to be processed to the first test device 300, the second test device 400, the third test device 500, etc., which is not limited herein.
  • FIG. 2 shows a sequence diagram of a payment processing method provided by an embodiment of the present application.
  • the flow shown in Figure 2 will be described in detail below.
  • the payment processing method is applied to a payment processing system.
  • the payment processing system includes an electronic device and a server.
  • the electronic device is connected to the server.
  • the payment processing method may specifically include The following steps:
  • Step S110 When the electronic device enters the payment mode in the process of running the target application, obtain the attribute information of the called payment application.
  • the electronic device can run applications in the foreground, run applications in the background, or switch between the foreground and the background to run applications, which is not limited here.
  • an application running in the foreground refers to an application that can usually interact with the user and can run in the foreground, and it will be suspended when it is not visible (such as a game);
  • an application running in the background refers to Interaction with the user is very limited. Except for the configuration period, other times of its lifetime are hidden (for example: SMS automatic reply program and alarm clock program); applications that switch between the foreground and the background of the electronic device mean that they can be in the foreground and Freely switch applications between the background. Understandably, when the application program is not killed (kill), it means that the application program is running on the electronic device.
  • the target application is an application running in the foreground of the electronic device.
  • a payment behavior may be involved, and the target application program will call the payment application program to enter the payment mode in response to the payment behavior.
  • the target application is a game application
  • the user may trigger scenarios that require payment such as "equipment purchase” and "skin purchase” when the electronic device is running the game application, and the target application can respond The user's trigger calls the payment application to enter the payment mode.
  • the target application is a shopping application
  • the user may trigger scenarios that require payment such as "purchase” and "payment”
  • the target application can respond to the user Trigger calling the payment application to enter the payment mode.
  • the target application can also enter the payment mode in other scenarios, which will not be repeated here.
  • the electronic device when the electronic device enters the payment mode during the process of running the target application, the electronic device can obtain the payment application called by the target application, and obtain the attribute information of the payment application.
  • the attribute information of the target application includes but is not limited to: the package name of the target application, the software development kit SDK plug-in of the target application, the online time of the target application, the number of customers of the target application, and the conversion of the target application Rates, etc., are not limited here.
  • the electronic device can obtain the attribute information of the payment application from the local or the server. Taking the electronic device from the local as an example, the local of the electronic device can record the attribute information of all installed applications. Therefore, the electronic When determining the called payment application, the device can read the attribute information of the payment application locally.
  • Step S120 The electronic device judges whether the payment application is legal based on the attribute information.
  • the electronic device may preset a legal condition of the attribute information, where the legal condition is used to characterize that the payment application is an official payment application. Therefore, after obtaining the attribute information of the called payment application, the attribute information of the payment application can be compared with the legal conditions to determine whether the attribute information of the payment application meets the legal conditions.
  • the attribute information of the payment application satisfies the legal conditions
  • the target application does not have "cut payment” and the target can be determined
  • the payment application called by the application is legal; when the attribute information of the payment application does not meet the legal conditions, it means that the payment application is not an official payment application set by the electronic device, but a third-party payment application, and the target application occurs " Cut payment", it can be determined that the payment application called by the target application is illegal.
  • Step S130 When the payment application is illegal, the electronic device generates a pending event.
  • the electronic device may generate a pending event for the target application, where the pending event may include an event to be punished, an event to be verified, etc. , In order to process the target application, which is not limited here.
  • the electronic device can continue to perform the payment operation to reduce the impact on the user's payment and improve the user experience.
  • the electronic device can continue to perform the payment operation and output prompt information, which is used to remind the user of possible problems with the target application, so that the user can help eliminate the entire The environment of the industry.
  • the electronic device can terminate the payment operation and output a prompt message to directly avoid damage to the platform's interests.
  • the electronic device may also include other more methods for payment operations, which will not be repeated here.
  • Step S140 The electronic device sends the to-be-processed event to the server.
  • the electronic device may send the event to be processed to the server via a data network or a wireless network, which is not limited here.
  • Step S150 The server processes the target application in response to the event to be processed.
  • the server after the server receives the pending event sent by the electronic device, it can respond to the pending event to process the target application, for example, penalize the target application, and impose punishment on the developer behind the target application. Penalties, etc.
  • the server after the server receives the pending event sent by the electronic device, it can reproduce the payment process of the target application and obtain evidence, so as to reproduce the target application's data through the data when the "cut payment" actually occurs. Illegal behavior in order to process the target application.
  • An embodiment of the present application provides a payment processing method.
  • the electronic device enters the payment mode while running the target application, it obtains the attribute information of the called payment application, and determines whether the payment application is legal based on the attribute information.
  • a pending event is generated, and the pending event is sent to the server.
  • the server responds to the pending event to process the target application, so that the electronic device enters the payment mode during the process of running the target application and detects
  • the called payment application is illegal, the target application is processed through the server to detect illegal payment behaviors accurately and timely, and fully protect the legitimate interests of users and the platform.
  • FIG. 3 shows a schematic flowchart of a payment processing method provided by another embodiment of the present application.
  • the method is applied to the payment processing device 600 shown in FIG. 11 and the electronic device 100 (as shown in FIG. 1) equipped with the payment processing device 600.
  • the following will elaborate on the process shown in FIG. 3, and the payment processing method may specifically include the following steps:
  • Step S210 When the electronic device enters the payment mode in the process of running the target application, obtain the attribute information of the called payment application.
  • Step S220 Determine whether the payment application is legal based on the attribute information.
  • Step S230 When the payment application is illegal, a pending event is generated.
  • Step S240 Send the pending event to the server, where the pending event is used to instruct the server to process the target application.
  • step S210 to step S240 please refer to step S110 to step S150, which will not be repeated here.
  • the electronic device when the electronic device enters the payment mode while running the target application, it obtains the attribute information of the called payment application, and determines whether the payment application is legal based on the attribute information.
  • a pending event is generated, and the pending event is sent to the server.
  • the pending event is used to instruct the server to process the target application, thereby entering the payment mode while running the target application, and
  • the target application is processed, so as to accurately and timely detect illegal payment behaviors, and fully protect the legitimate interests of users and the platform.
  • FIG. 4 shows a schematic flowchart of a payment processing method provided by another embodiment of the present application. This method is applied to electronic equipment. The following will elaborate on the process shown in FIG. 4 in detail.
  • the payment processing method may specifically include the following steps:
  • Step S310 When the electronic device runs the application, it determines whether the application satisfies a specified condition.
  • the electronic device presets and stores a designated condition, and the designated condition is used as a basis for judging the application program running by the electronic device, and the designated condition is used to characterize that the target application condition is met. Therefore, in this embodiment, when the electronic device is running the application, the application running on the electronic device can be compared with the specified condition to determine whether the application meets the specified condition, where the judgment result indicates that the application satisfies the specified condition. When the conditions are met, the application can be determined as the target application, and when the judgment result indicates that the application does not meet the specified conditions, the application can be determined as a non-target application.
  • FIG. 5 shows a schematic flowchart of step S310 of the payment processing method shown in FIG. 4 in an embodiment of the present application.
  • the process shown in FIG. 5 will be described in detail below, and the method may specifically include the following steps:
  • Step S311 When the electronic device runs the application, it determines whether the application is a jointly operated application.
  • the specified condition may include a jointly operated application, that is, when the application belongs to a jointly operated application, it can be determined that the application meets the specified condition, and when the application is not a jointly operated application, It can be determined that the application does not meet the specified conditions.
  • the jointly operated application program refers to the application program jointly cooperated by the electronic equipment manufacturer and the application program developer.
  • the application running on the electronic device can be compared with all jointly operated applications to determine whether the application belongs to a jointly operated application.
  • the characterization application belongs to a joint operation application it can be determined that the application meets the specified conditions and the application is determined as the target application.
  • the judgment result indicates that the application does not belong to the joint operation application it can be determined that the application does not meet the specified requirements.
  • the application is determined as a non-target application.
  • the electronic device can create a list of jointly operated applications in advance.
  • the list is used to add and record all the jointly operated applications. Therefore, after the electronic device obtains the running applications, it can find out whether it is in the list.
  • the method of recording the application program consistent with the running application program is used to determine whether the running application program belongs to the jointly operated application program.
  • the electronic device can add a mark to each jointly operated application. Therefore, after the electronic device obtains the running application, it can determine the running application by judging whether the running application includes the mark. Whether the program is a jointly operated application.
  • the electronic device may also include more ways to determine whether the running application is a jointly operated application, which will not be repeated here.
  • Step S312 When the application belongs to a jointly operated application, determine the application as the target application.
  • FIG. 6 shows a schematic flowchart of step S312 of the payment processing method shown in FIG. 5 in an embodiment of the present application.
  • the process shown in FIG. 5 will be described in detail below, and the method may specifically include the following steps:
  • Step S3121 When the application belongs to the jointly operated application, determine whether the application is a game application.
  • the application when it is determined that the application is a jointly operated application, it can be determined whether the application is a game application, and when the determination result indicates that the application is a game application, the application can be The program is determined to be a target application, and when the judgment result indicates that the application is not a game application, the application can be determined as a non-target application.
  • the type of the application can be obtained, and the type of the application can be compared with the type of the game application to determine whether the application is a game application. It can be understood that when the application When the type of the application is consistent with the type of the game application, it can be determined that the application is a game application. When the type of the application is inconsistent with the type of the game application, it can be determined that the application is a non-game application.
  • Step S3122 When the application is a game application, determine the application as the target application.
  • Step S320 When the application program satisfies the specified condition, the application program is determined as the target application program.
  • Step S330 When the electronic device enters the payment mode in the process of running the target application, obtain the attribute information of the called payment application.
  • step S330 For the specific description of step S330, please refer to step S110, which will not be repeated here.
  • Step S340 Determine whether the payment application is an official payment application based on the attribute information, and the official payment application is a payment application corresponding to the manufacturer to which the electronic device belongs.
  • the legal condition of the payment application is an official payment application, where the official payment application is a payment application corresponding to the manufacturer to which the electronic device belongs. Therefore, in this embodiment, after the attribute information of the payment application is obtained, it can be determined based on the attribute information whether the payment application is an official payment application, and when the payment application is an official payment application, it can be determined that the payment application is an official payment application. There is no "cut payment" in the target application, and the payment application is legal. When the payment application is not an official payment application, it can be determined that the target application has "cut payment” and the payment application is illegal.
  • FIG. 7 shows a schematic flowchart of an embodiment of step S340 of the payment processing method shown in FIG. 4 in an embodiment of the present application.
  • the process shown in FIG. 7 will be described in detail below.
  • the electronic device pre-stores official attribute information corresponding to the official payment application, and the payment processing method may specifically include the following steps:
  • Step S341A Obtain the official attribute information, and determine whether the attribute information is consistent with the official attribute information.
  • the electronic device pre-stores official attribute information corresponding to the official payment application. Therefore, in this embodiment, after obtaining the attribute information of the payment application and the official attribute information, the attribute information of the payment application can be compared with the official attribute information to determine whether the attribute information of the payment application is the same as the official attribute information. Consistent. When the attribute information of the payment application is consistent with the official attribute information, it can be determined that the payment application is an official payment application. When the attribute information of the payment application is inconsistent with the official attribute information, it can be determined that the payment application is not an official payment application. program.
  • Step S342A When the attribute information is inconsistent with the official attribute information, it is determined that the payment application is not the official payment application.
  • FIG. 8 shows a schematic flowchart of another embodiment of step S340 of the payment processing method shown in FIG. 4 in an embodiment of the present application.
  • the process shown in FIG. 8 will be described in detail below.
  • the attribute information includes a software development kit SDK plug-in, and the payment processing method may specifically include the following steps:
  • Step S341B Determine whether the SDK plug-in is an official SDK plug-in, and the official SDK plug-in is an SDK plug-in corresponding to the manufacturer to which the electronic device belongs.
  • the attribute information includes an SDK plug-in
  • the electronic device may pre-store an official SDK plug-in
  • the official SDK plug-in is an SDK plug-in corresponding to the manufacturer to which the electronic device belongs. Therefore, in this embodiment, after obtaining the SDK plug-in of the payment application and the official SDK plug-in, the SDK plug-in of the payment application can be compared with the official SDK plug-in to determine whether the SDK plug-in of the payment application is the same as the official SDK plug-in. Consistent. When the SDK plug-in of the payment application is consistent with the official SDK plug-in, it can be determined that the payment application is an official payment application. When the SDK plug-in of the payment application is inconsistent with the official SDK plug-in, it can be determined that the payment application is not an official payment application. program.
  • Step S342B When the SDK plug-in is not the official SDK plug-in, it is determined that the payment application is not the official payment application.
  • Step S350 When the payment application is not the official payment application, it is determined that the payment application is illegal.
  • Step S360 When the payment application is illegal, a pending event is generated.
  • Step S370 Send the to-be-processed event to a server, where the to-be-processed event is used to instruct the server to process the target application.
  • step S360 to step S370 please refer to step S130 to step S150, which will not be repeated here.
  • an electronic device when an electronic device runs an application, it determines whether the application meets a specified condition, and when the application meets the specified condition, the application is determined as the target application.
  • the electronic device enters the payment mode in the process of running the target application, it obtains the attribute information of the called payment application, and determines whether the payment application is an official payment application based on the attribute information, and the official payment application belongs to the electronic device
  • the payment application is determined to be illegal.
  • a pending event is generated and the pending event is sent to the server.
  • the pending event The event is used to instruct the server to process the target application.
  • the present embodiment also judges the application program running on the electronic device to determine the target application program through specified conditions, so as to improve the accuracy of the target application program processing.
  • this embodiment also determines whether the payment application is legal by determining whether the payment application is an official payment application, so as to improve the accuracy of the judgment of the payment application.
  • FIG. 9 shows a schematic flowchart of a payment processing method provided by another embodiment of the present application.
  • the method is applied to the payment processing device 700 shown in FIG. 12 and the server 200 (as shown in FIG. 1) configured with the payment processing device 700.
  • the process shown in Fig. 9 will be described in detail below, and the payment processing method may specifically include the following steps:
  • Step S410 The server receives a pending event sent by the electronic device, and the pending event is generated when the called payment application is illegal when the electronic device enters the payment mode while the target application is running.
  • Step S420 Process the target application in response to the to-be-processed event.
  • step S410-step S420 please refer to step S110-step S150, which will not be repeated here.
  • a server receives a pending event sent by an electronic device.
  • the pending event is an illegal payment application when the electronic device enters the payment mode during the process of running the target application.
  • the target application is processed in response to the pending event, so that the payment mode is entered during the process of running the target application, and the target application is processed when it is detected that the called payment application is illegal, so as to be accurate and
  • the timely detection of illegal payment behaviors fully protects the legitimate interests of users and the platform.
  • FIG. 10 shows a schematic flowchart of a payment processing method provided by yet another embodiment of the present application. This method is applied to a server. The following will describe the process shown in FIG. 10 in detail.
  • the to-be-processed event includes the basic information of the target application, the first identification information of the electronic device, and the information of the electronic device.
  • the second identification information, the payment processing method may specifically include the following steps:
  • Step S510 The server receives a pending event sent by the electronic device, and the pending event is generated when the called payment application is illegal when the electronic device enters the payment mode while the target application is running.
  • step S510 please refer to step S110 to step S140, which will not be repeated here.
  • Step S520 Send the basic information to the first test device, where the basic information is used to instruct the first test device to install the target application based on the basic information in order to pay for the target application Perform recurrence, and obtain evidence when the payment process of the target application program successfully reproduces.
  • the event to be processed includes basic information of the target application. Accordingly, the server can respond to the event to be processed and process the target application based on the basic information.
  • the basic information of the target application can include at least the package name of the target application, and the server can find the corresponding target application based on the package name of the target application to process the target application.
  • the server after the server obtains the basic information of the target application, it can send the basic information of the target application to the first test device of the communication connection, and accordingly, the first test device can install based on the received basic information.
  • the target application program reproduces the payment process of the target application program, and collects evidence when the payment process of the target application program is successfully reproduced, so as to provide evidence of penalizing the target application program.
  • the first test device can install the target application based on the received package name to reproduce the payment process of the target application, and reproduce the payment process of the target application Obtain evidence when successful.
  • the first test device can obtain evidence through screen recording, which is not limited here.
  • Step S530 When the payment process of the target application fails to reproduce, determine the second test device corresponding to the first identification information.
  • the developer of the target application may not set "cut payment” for all electronic devices, but for some models of electronic devices. Therefore, Only the basic information of the target application is used to reproduce the payment process of the target application, which may not be able to reproduce the "cut payment” behavior, that is, the payment process of the target application fails to reproduce.
  • the event to be processed further includes the first identification information of the electronic device. Therefore, when the payment process of the target application fails to reproduce, it means that the payment process of the target application cannot be reproduced only through basic information, and the corresponding second test device can be determined based on the first identification information to pass the first identification information. Second, the test equipment solves the problem that the "cut payment" of the target application may only target some models of electronic equipment. Specifically, the first identification information may include at least the model.
  • an electronic device consistent with the model of the electronic device can be determined based on the model as the second test device, and By using an electronic device with the same model as the electronic device where the "cut payment" occurs as the second test device to reproduce the payment process, it solves the problem that the "cut payment" of the target application may only target some types of electronic equipment.
  • Step S540 Send the basic information to the second test device, where the basic information is used to instruct the second test device to install the target application based on the basic information, so as to update the target application
  • the payment process is reproduced, and evidence is obtained when the payment process of the target application program is successfully reproduced.
  • the server may send the basic information of the target application to the second test device connected to the communication, and accordingly ,
  • the second test device can install the target application based on the received basic information to reproduce the payment process of the target application, and obtain evidence when the payment process of the target application is successfully reproduced, so as to provide the target application Evidence that the procedure is penalized.
  • the second test device can install the target application based on the received package name to reproduce the payment process of the target application, and reproduce the payment process of the target application Obtain evidence when successful.
  • the second test device can obtain evidence through screen recording, which is not limited here.
  • Step S550 When the payment process of the target application fails to reproduce, determine the third test device corresponding to the first identification information and the second identification information.
  • the developer of the target application may not set “cut payment” for all electronic devices, but for some models of electronic devices.
  • the set “cut payment” may not be for all areas, but for more remote areas. Therefore, only using the basic information of the target application and the first identification information of the electronic device to reproduce the payment process of the target application may not be able to reproduce the "cut payment" behavior, that is, the payment process of the target application fails to reproduce .
  • the event to be processed further includes the second identification information of the electronic device. Therefore, when the payment process of the target application fails to reproduce, it can be determined based on the first identification information and the second identification information when it is characterized that the payment process of the target application cannot be reproduced only through the basic information and the first identification information.
  • the first identification information may include at least the model
  • the second identification information may include at least the network protocol IP address. Therefore, when the payment process of the target application fails to reproduce, the identification information may be determined based on the model and IP address.
  • the electronic device with the same model and located in the same city is used as the third test device, and the electronic device with the same model and the same city as the electronic device where the "cut payment" occurs is used as the third test device to reproduce the payment process
  • the way to solve the problem that the "cut payment" of the target application may only target some models of electronic devices and target relatively remote areas.
  • Step S560 Send the basic information to the third test device, where the basic information is used to instruct the third test device to install the target application based on the basic information, so as to control the target application
  • the payment process is reproduced, and evidence is obtained when the payment process of the target application program is successfully reproduced.
  • the server may send the basic information of the target application to the third communication connection.
  • the test device correspondingly, the third test device can install the target application based on the received basic information to reproduce the payment process of the target application, and collect evidence when the payment process of the target application is successfully reproduced, To provide evidence of penalizing the target application.
  • the third test device can install the target application based on the received package name to reproduce the payment process of the target application, and reproduce the payment process of the target application Obtain evidence when successful.
  • the third test device can obtain evidence through screen recording, which is not limited here.
  • the third test device can also be used to reproduce the payment process of the target application at the same time as the electronic device's "cut payment", so as to improve the success rate of the recurrence. No longer.
  • the server receives a pending event sent by an electronic device, and the pending event is when the electronic device enters the payment mode while the target application is running, the called payment application does not Generated when it is legal, and send basic information to the first test device.
  • the basic information is used to instruct the first test device to install the target application based on the basic information to reproduce the payment process of the target application. Evidence will be collected when the payment process is reproduced successfully.
  • the second test device corresponding to the first identification information is determined, and basic information is sent to the second test device.
  • the basic information is used to instruct the second test device to install the target based on the basic information
  • the application program reproduces the payment process of the target application program, and collects evidence when the payment process of the target application program successfully reproduces.
  • the third test device corresponding to the first identification information and the second identification information is determined, and the basic information is sent to the third test device, and the basic information is used to indicate the third test device Install the target application based on the basic information to reproduce the payment process of the target application, and collect evidence when the payment process of the target application is successfully reproduced.
  • the payment process fails to be reproduced through basic information, the payment process is reproduced according to the model, IP address, etc. of the electronic device, so as to improve the recurrence of the payment process.
  • the success rate to facilitate evidence collection.
  • FIG. 11 shows a block diagram of a payment processing device 600 provided by an embodiment of the present application.
  • the payment processing apparatus 600 is applied to the above-mentioned electronic equipment. The following will describe the block diagram shown in FIG. 11.
  • the payment processing apparatus 600 includes: an attribute information acquisition module 610, an attribute information judgment module 620, a pending event generation module 630, and The pending event sending module 640, where:
  • the attribute information obtaining module 610 is configured to obtain the attribute information of the called payment application when the electronic device enters the payment mode during the process of running the target application.
  • the attribute information judgment module 620 is configured to judge whether the payment application is legal based on the attribute information. Further, the attribute information judging module 620 includes: an attribute information judging sub-module and a first determining sub-module, wherein:
  • the attribute information judging sub-module is configured to judge whether the payment application is an official payment application based on the attribute information, and the official payment application is a payment application corresponding to the manufacturer to which the electronic device belongs. Further, the electronic device pre-stores official attribute information corresponding to the official payment application, and the attribute information judging submodule includes: an attribute information judging unit and a first determining unit, wherein:
  • the attribute information judging unit is used to obtain the official attribute information and judge whether the attribute information is consistent with the official attribute information.
  • the first determining unit is configured to determine that the payment application is not the official payment application when the attribute information is inconsistent with the official attribute information.
  • the attribute information includes a software development kit SDK plug-in
  • the attribute information judging sub-module includes: an SDK plug-in judging unit and a second determining unit, wherein:
  • the SDK plug-in judging unit is used to judge whether the SDK plug-in is an official SDK plug-in, and the official SDK plug-in is an SDK plug-in corresponding to the manufacturer to which the electronic device belongs.
  • the second determining unit is configured to determine that the payment application is not the official payment application when the SDK plug-in is not the official SDK plug-in.
  • the first determining submodule is configured to determine that the payment application is illegal when the payment application is not the official payment application.
  • the pending event generation module 630 is configured to generate pending events when the payment application is illegal.
  • the pending event sending module 640 is configured to send the pending event to a server, and the pending event is used to instruct the server to process the target application.
  • the payment processing device 600 further includes: an application program determination sub-module and an application program determination sub-module, wherein:
  • the application judging submodule is used for judging whether the application satisfies a specified condition when the electronic device is running the application. Further, the application judging submodule includes: an application judging unit and an application determining unit, wherein:
  • the application judging unit is used for judging whether the application is a jointly operated application when the electronic device is running the application.
  • the application determining unit is configured to determine the application as the target application when the application belongs to a jointly operated application. Further, the application determining unit includes: an application determining sub-module and an application determining sub-unit, wherein:
  • the application judging subunit is used for judging whether the application is a game application when the application belongs to the jointly operated application.
  • the application determining submodule is configured to determine the application as the target application when the application is a game application.
  • the application determining submodule is configured to determine the application as a target application when the application satisfies the specified condition.
  • FIG. 12 shows a module block diagram of a payment processing apparatus 700 according to another embodiment of the present application.
  • the payment processing apparatus 700 is applied to the above-mentioned electronic equipment. The following will describe the block diagram shown in FIG. 12.
  • the payment processing apparatus 700 includes: a pending event receiving module 710 and a pending event response module 720, wherein:
  • the pending event receiving module 710 is used for the server to receive the pending event sent by the electronic device, and the pending event is the payment application called when the electronic device enters the payment mode in the process of running the target application Generated when illegal.
  • the to-be-processed event response module 720 is configured to process the target application in response to the to-be-processed event. Further, the to-be-processed event includes basic information of the target application, and the to-be-processed event response module 720 includes: a to-be-processed event response sub-module, wherein:
  • the to-be-processed event response sub-module is used to respond to the to-be-processed event and process the target application based on the basic information. Further, the response submodule for the pending event includes: a basic information sending unit, wherein:
  • the first basic information sending unit is configured to send the basic information to a first test device, where the basic information is used to instruct the first test device to install the target application based on the basic information, so as to The payment process of the target application is reproduced, and evidence is obtained when the payment process of the target application is successfully reproduced.
  • the to-be-processed event further includes first identification information of the electronic device
  • the to-be-processed event response sub-module includes: a second test device determining unit and a second basic information sending unit, wherein:
  • the second test device determining unit is configured to determine the second test device corresponding to the first identification information when the payment process of the target application fails to recur. Further, the first identification information includes a model, and the second test equipment determining unit includes:
  • the second test device determining subunit is configured to determine an electronic device consistent with the model of the electronic device as the second test device based on the model when the payment process of the target application fails to reproduce.
  • the second basic information sending unit is configured to send the basic information to the second test device, and the basic information is used to instruct the second test device to install the target application based on the basic information to correct The payment process of the target application is reproduced, and evidence is obtained when the payment process of the target application is successfully reproduced.
  • the to-be-processed event further includes second identification information of the electronic device
  • the to-be-processed event response sub-module includes: a third test device determining unit and a third basic information sending unit, wherein:
  • the third test device determining unit is configured to determine the third test device corresponding to the first identification information and the second identification information when the payment process of the target application fails to recur. Further, the first identification information includes a model, the second identification information includes a network protocol IP address, and the third test device determining unit includes: a third test device determining subunit, wherein:
  • the third test device determining subunit is used to determine an electronic device that is consistent with the electronic device model and is located in the same city based on the model and the IP address when the payment process of the target application fails to reproduce As the third test equipment.
  • the third basic information sending unit is configured to send the basic information to the third test device, and the basic information is used to instruct the third test device to install the target application based on the basic information to correct The payment process of the target application is reproduced, and evidence is obtained when the payment process of the target application is successfully reproduced.
  • the coupling between the modules may be electrical, mechanical or other forms of coupling.
  • each functional module in each embodiment of the present application may be integrated into one processing module, or each module may exist alone physically, or two or more modules may be integrated into one module.
  • the above-mentioned integrated modules can be implemented in the form of hardware or software function modules.
  • FIG. 13 shows a structural block diagram of an electronic device 800 provided by an embodiment of the present application.
  • the electronic device 800 may include the electronic device 100 or the server 200, which is not limited here.
  • the electronic device 800 may be an electronic device capable of running application programs, such as a smart phone, a tablet computer, or an e-book.
  • the electronic device 800 in this application may include one or more of the following components: a processor 810, a memory 820, and one or more application programs, where one or more application programs may be stored in the memory 520 and configured to be composed of one Or multiple processors 510 execute, and one or more programs are configured to execute the method described in the foregoing method embodiment.
  • the processor 810 may include one or more processing cores.
  • the processor 810 uses various interfaces and lines to connect various parts of the entire electronic device 800, and executes by running or executing instructions, programs, code sets, or instruction sets stored in the memory 820, and calling data stored in the memory 820.
  • the processor 810 may adopt at least one of digital signal processing (Digital Signal Processing, DSP), Field-Programmable Gate Array (Field-Programmable Gate Array, FPGA), and Programmable Logic Array (Programmable Logic Array, PLA).
  • DSP Digital Signal Processing
  • FPGA Field-Programmable Gate Array
  • PLA Programmable Logic Array
  • the processor 810 may be integrated with one or a combination of a central processing unit (CPU), a graphics processing unit (GPU), a modem, and the like.
  • the CPU mainly processes the operating system, user interface, and application programs;
  • the GPU is used to render and draw the content to be displayed;
  • the modem is used to process wireless communication. It is understandable that the above-mentioned modem may not be integrated into the processor 810, but may be implemented by a communication chip alone.
  • the memory 820 may include random access memory (RAM) or read-only memory (Read-Only Memory).
  • the memory 820 may be used to store instructions, programs, codes, code sets or instruction sets.
  • the memory 820 may include a program storage area and a data storage area, where the program storage area may store instructions for implementing the operating system and instructions for implementing at least one function (such as touch function, sound playback function, image playback function, etc.) , Instructions used to implement the following various method embodiments, etc.
  • the storage data area can also store data (such as phone book, audio and video data, chat record data) created by the electronic device 800 during use.
  • FIG. 14 shows a structural block diagram of a computer-readable storage medium provided by an embodiment of the present application.
  • the computer readable medium 900 stores program code, and the program code can be invoked by a processor to execute the method described in the foregoing method embodiment.
  • the computer-readable storage medium 900 may be an electronic memory such as flash memory, EEPROM (Electrically Erasable Programmable Read Only Memory), EPROM, hard disk, or ROM.
  • the computer-readable storage medium 900 includes a non-transitory computer-readable storage medium.
  • the computer-readable storage medium 900 has a storage space for the program code 910 for executing any method steps in the above-mentioned methods. These program codes can be read from or written into one or more computer program products.
  • the program code 910 may be compressed in an appropriate form, for example.
  • the payment processing method, device, electronic device, and storage medium provided by the embodiments of the present application.
  • the electronic device enters the payment mode in the process of running the target application, it obtains the attribute information of the called payment application based on This attribute information determines whether the payment application is legal or not.
  • a pending event is generated, and the pending event is sent to the server.
  • the pending event is used to instruct the server to process the target application.
  • the target application enters the payment mode during the process, and the target application is processed when it is detected that the called payment application is illegal, so as to accurately and timely detect illegal payment behaviors, and fully protect the legitimate interests of users and the platform.

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  • General Physics & Mathematics (AREA)
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Abstract

La présente invention concerne un procédé et un appareil de traitement de paiement, un dispositif électronique ainsi qu'un support de stockage, se rapportant au domaine de la technologie de paiement. Ledit procédé est appliqué à un dispositif électronique, et consiste à : lorsqu'un dispositif électronique entre dans un mode de paiement dans le processus d'exécution d'un programme d'application cible, acquérir des informations d'attribut d'un programme d'application de paiement invoqué ; déterminer, sur la base des informations d'attribut, si le programme d'application de paiement est ou non valide, et si le programme d'application de paiement est non valide, générer un événement à traiter ; et envoyer ledit événement à un serveur, ledit événement étant utilisé pour donner l'instruction au serveur de traiter le programme d'application cible. Dans le procédé et l'appareil de traitement de paiement, le dispositif électronique et le support de stockage, un mode de paiement fait l'objet d'une entrée dans le processus d'exécution d'un programme d'application cible, et lorsqu'il est détecté qu'un programme d'application de paiement invoqué est non valide, le programme d'application cible est traité, de telle sorte qu'un comportement de paiement non valide peut être trouvé avec précision d'une manière opportune, permettant ainsi de garantir pleinement les intérêts légitimes des utilisateurs et des plateformes.
PCT/CN2019/109215 2019-09-29 2019-09-29 Procédé et appareil de traitement de paiement, dispositif électronique et support de stockage WO2021056571A1 (fr)

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PCT/CN2019/109215 WO2021056571A1 (fr) 2019-09-29 2019-09-29 Procédé et appareil de traitement de paiement, dispositif électronique et support de stockage
CN201980099276.0A CN114222988A (zh) 2019-09-29 2019-09-29 支付处理方法、装置、电子设备以及存储介质

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Citations (4)

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CN102081722A (zh) * 2011-01-04 2011-06-01 奇智软件（北京）有限公司 一种保护指定应用程序的方法及装置
CN104021339A (zh) * 2014-06-10 2014-09-03 北京奇虎科技有限公司 移动终端的安全支付方法及装置
US20150348015A1 (en) * 2012-12-19 2015-12-03 Deutsche Telekom Ag Method and system for terminal device-based communication between third-party applications and an electronic wallet
CN105303100A (zh) * 2015-09-30 2016-02-03 北京奇虎科技有限公司 应用程序启动的验证方法及装置

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102081722A (zh) * 2011-01-04 2011-06-01 奇智软件（北京）有限公司 一种保护指定应用程序的方法及装置
US20150348015A1 (en) * 2012-12-19 2015-12-03 Deutsche Telekom Ag Method and system for terminal device-based communication between third-party applications and an electronic wallet
CN104021339A (zh) * 2014-06-10 2014-09-03 北京奇虎科技有限公司 移动终端的安全支付方法及装置
CN105303100A (zh) * 2015-09-30 2016-02-03 北京奇虎科技有限公司 应用程序启动的验证方法及装置

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